METHODS FOR OPTIMIZING THE STRUCTURE OF AN INSURANCE PORTFOLIO
Abstract
This article examines methods and strategies for optimizing the structure of insurance portfolios to improve risk management, profitability, and operational efficiency. The study emphasizes the importance of diversification, risk assessment, and allocation of resources across different types of insurance products. Various optimization techniques, including mathematical modeling, portfolio theory, and modern data-driven approaches, are analyzed in the context of both international practices and their applicability to the Uzbek insurance market. The research highlights how portfolio optimization contributes to financial stability, enhances the resilience of insurance companies, and supports sustainable growth in a competitive market environment.